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Raúl
Raúl is 33 years old and lives in his own house with his family which comprises his partner and 2 children who are currently in their first years at school. The most important thing for Raúl is his family and it is for them that he works hard to give them their daily bread and cover the most basic necessities. Raúl makes and sells bread. He owns a bakery where he sells a variety of delicious breads. He has been in the business for 14 years which has given him a lot of experience. In addition he has managed to establish a very loyal client base of several customers for the service he offers. His dream is to see his children become professonals, with better living conditions than he himself has had. This is the reason why he works hard with all his might to keep the business alive, a business which for many years has allowed them to survive. His dream is to expand the business to have the capacity to meet increased demand to generate more income. This has led him to take the decision to ask INTEGRAL for a loan to invest in his basic ingredients (flour, sugar, cinnamon, water, eggs, food colourings, oil, etc.) which will allow him to reach his goal of meeting increased demand to generate improved earnings so that his and his family's quality of life can improve over time.

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Raúl de 33 años de edad, habita en casa propia junto con su grupo familiar el cual está integrado por su compañera de vida y sus dos hijos los cuales se encuentran cursando sus primeros años de estudio. Para Raúl lo más importante es su familia y es por ella que trabaja duramente para poder dar el pan de cada día y cubrir las necesidades más necesarias. Raúl se dedica a la producción y venta de pan. Posee una panadería en la cual vende variedad de deliciosos panes. Tiene 14 años de dedicarse al negocio por lo que ya ha adquirido muchos años de experiencia, además ha logrado establecer algunos clientes que son muy fieles al servicio que él ofrece. Su sueño es ver a sus hijos convertidos en profesionales, en mejores condiciones que las que él ha tenido. Esta es la razón por la que lucha con todas sus fuerzas para mantener vivo el negocio que por muchos años les ha proporcionado lo necesario para sobrevivir. Su sueño es ampliar su negocio es decir poder tener la capacidad de cubrir una mayor demanda que le genere mayores ingresos. Esto lo ha llevado a tomar la decisión de solicitar este crédito a INTEGRAL para invertir en la materia prima necesaria (harina, azúcar, canela, agua, huevos, colorantes, aceite, etc.), que le permita lograr su objetivo de cubrir una mayor demanda que le genere una mejora en los ingresos percibidos de tal forma que su calidad de vida y la de su familia puedan mejorar con el tiempo.

Additional Information

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About El Salvador

  • $7,500
    Average annual income
  • 847
    View loans »
    El Salvador Loans Fundraising
  • $25,704,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Raúl to buy flour, sugar, cinnamon, water, eggs, food colourings, oil etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 23, 2011
Listed
Dec 10, 2011
Currency Exchange Loss:
N/A
Ended:
Aug 16, 2012